SOME OF OUR MOST REWARDING AND MOST FRUITFUL DECISIONS TAKE YEARS, IF NOT DECADES, TO NURTURE AND DEVELOP: FINANCES, HEALTH, FAMILY, COMMUNITY, AND SPIRITUALITY.
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This means it takes EXTREME patience and a small amount of work, frequently, over a long period of time.
It is extremely difficult, but not impossible, to catch up if you have not put in the work and the time, starting early.